WIRELESS SECURITY

Scotiabank’s e-commerce subsidiary e-Scotia and Diversinet Corp., a leading
provider of mobile commerce (m-commerce) security infrastructure solutions,
today announced an agreement for the incorporation of Diversinet’s advanced
wireless security products into e-Scotia’s managed security infrastructure.
The agreement grants e-Scotia a worldwide license to utilize Diversinet’s
Passport Certificate Server(R) and Passport Authorization Product(TM) for
e-Scotia customers requiring secure wireless e-commerce certification services.
e-Scotia will integrate Diversinet’s wireless security solutions into its
infrastructure in order to provide end-to-end wireless security services for
mobile commerce applications using wireless devices such as personal digital
assistants (PDAs), pagers, and smartphones.

“The incorporation of Divere-Scotia’s existing infrastructure enables e-Scotia
to deploy fully secure mobile financial service applications,” said Nagy
Moustafa, President and CEO, Diversinet Corp. “e-Scotia is respected globally
as a leader in e-commerce security solutions. The fact that they have chosen
Diversinet as their wireless security provider reinforces Diversinet’s leading
position in the wireless world.”

“We believe there is great potential for the future of m-commerce, and
Diversinet’s market leading security products will allow for the migration of
e-Scotia’s applications into a dynamic mobile world,” said Albert Wahbe,
Chairman and CEO of e-Scotia and Scotiabank’s Executive Vice-President
Electronic Banking.

e-Scotia’s new wireless security service offering will be available globally.
Enterprises and wireless high-value application developers now have a trusted
third party to provide the wireless identity authentication services required
in mobile financial applications.

About e-Scotia and Scotiabank

e-Scotia is the trade name for Scotiabank’s e-commerce subsidiary specializing
in e-commerce products, sales and services. Scotiabank is one of North
America’s premier financial institutions, with about $275 billion in assets and
approximately 52,000 employees worldwide, including affiliates. It is also
Canada’s most international bank with more than 2,000 branches and offices in
over 50 countries. Scotiabank is on the World Wide Web at www.scotiabank.com.

About Diversinet Corp.

Diversinet is enabling mobile e-commerce (m-commerce) services with its
wireless security infrastructure solutions. The company was confirmed by the
Yankee Group (reference; The Yankee Group Report Wireless/Mobile Technologies,
Vol. 1, No. 7, September 2000, by Emily Williams and David Berndt), as having
the leading product technology for the delivery of end-to-end wireless security
infrastructure solutions to wireless device makers, ASPs and operators,
application software developers and network infrastructure providers. For more
information on Diversinet, visit the company’s web site at www.dvnet.com.

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NextCard 2Q/01

Inching closer to profitability, Internet credit card pioneer NextCard reported a second quarter net loss of $14.4 million compared to a $16.6 million loss for the first quarter, and a $24.5 million loss for 2Q/00. The issuer, which recently crossed the one million account milestone, projected a 3Q/01 loss of about $7.5 million followed by a profit in the fourth quarter. NextCard’s acquisition cost per account in the second quarter was approximately $50, an improvement of 48% from the previous year, but up slightly from 1Q/01’s $49 rate. Total managed loans rose 115% to $1.789 billion as of June 30, compared to $829.7 million as of June 30, 2000, and increased 12% over the $1.595 billion in managed loans as of March 31, 2001. The net charge-off rate increased to 4.92% and the delinquency rate (30+ days) rose to 5.25%. NextCard implemented a new credit risk scorecard this year which has improved credit quality. During the second quarter, the Company also launched a new fee-based product, ‘NextCard Credit Expert’, developed in partnership with Experian. For complete details on NextCard’s current and past performance visit CardData ([www.carddata.com][1]).

NEXTCARD’S TRACK RECORD
2Q/01 1Q/01 4Q/00 3Q/00 2Q/00
Recv: $1.789b $1.595b $1.312b $1.093b $.8297b
Accts: 1016k 881k 708k 577k 443k
C-O: 4.92% 3.99% 3.10% 2.67% 2.21%
Del: 5.25% 4.75% 3.92% 3.30% 2.68%

Recv- receivables; Accts- accounts; C-O-charge-offs; Del- 30+ day delinquency
Source: CardData (www.carddata.com)

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

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Diebold 2Q/01

Diebold yesterday reported 2Q net income of $34.3 million on revenue of $423.6 million. Diebold says total worldwide orders for product and service increased in the double-digit range. Significant orders for the second quarter included: a self-service contract totaling close to $20 million for a national financial institution in Brazil; an agreement with a major bank in China for ATMs, valued at approximately $5 million; ATM orders totaling more than $4 million for three financial institutions in the United Kingdom, France and Poland; nearly $2 million in electronic security and drive-up solutions for a major U.S.-based financial institution; and a franchise agreement with Uni-Marts, Inc., to place 240 cash dispensers under Diebold’s ATM Franchise Program. For complete details on Diebold’s current and past performance visit CardData ([www.carddata.com][1]).

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

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AOL MovieFone

AOL Moviefone announced that its Web site, Moviefone.com, hosted an all-time high of more than 3 million unique users in June, according to Media Metrix. This record-breaking usage represents an 82 percent increase in traffic to the Web site over the past year, reinforcing the consumer demand for Moviefone’s comprehensive online movie information and ticketing services, and solidifying Moviefone’s position as the largest movie showtime and ticketing service online with more than five times the number of users than the next largest movie ticketing site.

AOL Moviefone also announced that it now offers advance ticket sales to more than 8,000 screens, more than doubling its previous offering. With this expansion, Moviefone.com now provides consumers with online access to tickets for more than 80 percent of North America’s movie screens that currently offer Internet ticketing capability, through the activation of its previously announced partnership with MovieTickets.com. Additionally, Moviefone.com now makes it easier for people to purchase tickets using AOL Quick Checkout and offers users one-click access to showtimes for their closest local theaters from the Moviefone.com home page.

Tommy McGloin, senior vice president and general manager at AOL Moviefone said, “Moviefone.com continues to strengthen its lead as the number one site for moviegoers across the country which is a testament to the ease-of-use of Moviefone’s offerings and the consumer demand for online movie information and ticketing services. These new enhancements further our goal at Moviefone of making a trip to the movies easier, more convenient and more enjoyable than ever before.”

Moviefone.com’s new features include:

Enhanced Ticketing

By purchasing their tickets online for one of the 8,000 movie screens for which Moviefone.com now offers advance sales, moviegoers can bypass the ticket lines and avoid the disappointment of a sold out show. Moviefone.com’s ticketing pages have also been redesigned to provide consumers with an easy, step-by-step process for building their ticket order, confirming their selections and making their purchase. Once they have completed their purchase, users can also get a map to the theater from Mapquest or a listing of nearby restaurants and bars from Digital City.

Personalization

Moviegoers will now find a convenient listing of their three closest theaters on the Moviefone.com home page and will have one-click access to showtimes for those theaters. In addition, to make their ticketing transactions faster and easier, Moviefone.com now offers AOL Quick Checkout. For users who sign up for Quick Checkout, Moviefone.com will remember their credit card information for future purchases.

Community Content

Moviefone.com has introduced new features to help moviegoers pick a movie and to create a community among its users. For example, on the Moviefone.com home page users can get a list of the top five most requested movies on Moviefone, giving them an up-to-the-minute sense of what movies people are interested in and one-click access to local showtimes for those movies. Also, Moviefone’s new “Critics’ Island” feature will help moviegoers pick a movie while also allowing them to interact with other Moviefone.com users. Moviefone.com has selected four regular moviegoers who see movies courtesy of Moviefone and submit their reviews for posting on the site. The rest of Moviefone.com’s users get to assess their reviews and vote to “Kick Off” or “Keep” each reviewer. Once a month the least popular reviewer will be kicked off the island and replaced with a new castaway.

About AOL Moviefone

AOL Moviefone, a wholly owned subsidiary of AOL Inc., is the leader in providing online, telephone and wireless movie listings, information, and ticketing to consumers anytime, anywhere. Through its online service Moviefone.com, its 777-FILM telephone service, and numerous wireless devices, including Sprint PCS phones, AT&T PocketNet, and Palm handheld computers, the company serves one in every five U.S. moviegoers each week with a complete, free directory of movies, showtimes, theater locations, the ability to purchase tickets, and other content of interest to moviegoers. AOL Moviefone is a part of the AOL Interactive Properties Group.

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Protection Deception

Unscrupulous telemarketers continue to peddle worthless credit card loss “protection,” and the Federal Trade Commission continues to work to stop them from doing so. In the latest action, announced Wednesday, the Commission has filed a stipulated final order for permanent injunction against Phoenix, Arizona-based Capital Card Services, Inc. (CCS) and its president Cory M. Harris. Under the terms of the order, the defendants will be prohibited from offering such “loss protection services” in the future and must post a $200,000 bond before engaging in any future telemarketing activities. The order is the result of a complaint brought against CCS and Harris as part of the Commission’s “Operation Protection Deception” law enforcement sweep announced last year.

According to the FTC’s complaint, CCS and Harris violated the FTC Act by selling what was purported to be credit card loss “protection” by: 1) claiming to be calling consumers from, or on the behalf of, their credit card issuers; 2) claiming that consumers could be held fully liable for all unauthorized charges made to their credit card accounts; and 3) falsely representing that the consumers had authorized the purchases for which they were charged. In addition, by making false statements to induce consumers to pay for goods and services in connection with the telemarketing of their credit card loss “protection” programs, the FTC alleged the defendants violated the FTC’s Telemarketing Sales Rule (TSR). In general, it is illegal to represent that any consumer is liable for unauthorized charges on his credit card in excess of the $50 limit set forth by federal regulations.

The final order announced today contains strong injunctive relief. The defendants are permanently banned from engaging in the sale of credit loss or “protection” services. To address the possibility of future law violations, the defendants are prohibited from the specific activities detailed in the Commission’s complaint, including: 1) representing that they are calling from, or on the behalf of, consumers’ credit card issuers; 2) that consumers could be held fully liable for all unauthorized charges made to their credit card accounts; and 3) that consumers had agreed to the purchases for which their accounts had been debited. The order also prohibits the defendants from failing to comply with the TSR. In addition, the order contains broad fencing-in provisions that prohibit misrepresentations about: 1) consumers’ credit-related rights or obligations under the law; 2) any facts that would be material to a consumer’s decision to purchase a good or service; and 3) installment payments for any product or service.

The order also prohibits the defendants from telemarketing any product or service without first posting a $200,000 bond to ensure that consumers would be protected from any future illegal activity. In addition, the order bars the defendants from distributing their customer list to anyone other than FTC or law enforcement personnel, unless ordered by a court to do so.

Finally, while neither CCS nor Harris currently has significant assets, the order contains a $2 million judgment against CCS to allow the FTC to attempt to collect on any corporate assets. The order requires Harris to pay the amount that he does have in a bank account – $4,790. The order also contains standard record-keeping, monitoring and compliance provisions.

The Commission vote to authorize staff to file the stipulated final judgment was 5-0. The stipulated final judgment was filed in the United States District Court in Phoenix, Arizona.

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Concord EFS 2Q/01

Concord EFS reported this morning second quarter net income of $71.2 million on revenue of $420.7 million compared to $338.8 million in the second quarter of 2000. Much of the revenue growth was driven by Concord’s Network Services segment, as the company expanded ‘STAR’ network participation and cross-sold processing to current clients. Revenue on the Payment Services side was driven by continuing payment mix shift to electronic alternatives, plus the addition of new merchants. For complete details on Concord’s current and past performance visit CardData ([www.carddata.com][1]).

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

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2Q/01 Charge-Offs

All twelve of the nation’s top issuers, with at least $10 billion in receivables, posted higher charge-offs for 2Q/01 compared to last year’s second quarter. As a peer group, charge-offs rose 17.5%, for an average 2Q/01 charge-off rate of 6.32%, according to CardData. Providian and American Express led the group with the highest increase in losses, 38.7% and 29.5% respectively. Capital One and Bank of America reported only a slight increase in charge-offs. Losses for sub-prime specialists, Providian and Metris/Direct Merchants, exceeded 10% for the second quarter. The rise in charge-offs has been attributed to a surge in personal bankruptcy filings this year in anticipation of new legislation and to the softening economy. For complete details on each issuer’s track record visit CardData ([www.carddata.com][1]).

SECOND QUARTER CHARGE-OFFS
2Q/00 2Q/01 CHANGE
1. Citigroup: 4.32% 5.51% +27.5%
2. MBNA: 3.95% 4.82% +22.0%
3. First USA: 5.44% 6.09% +11.9%
4. Discover: 4.21% 4.98% +18.3%
5. Chase: 5.16% 5.54% + 7.4%
6. AmEx: 4.40% 5.70% +29.5%
7. Capital One: 3.97% 3.98% + 0.3%
8. Providian: 7.42% 10.29% +38.7%
9. BofA: 4.84% 4.94% + 2.1%
10. Fleet: 5.78% 6.31% + 9.2%
12. Household: 5.57% 6.82% +22.4%
13. Metris: 9.50% 10.90% +14.7%
AVERAGE: 5.38% 6.32% +17.5%
SOURCE: CardData (www.carddata.com)

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

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Card Solutions Net

SchlumbergerSema announced the creation of a new national distributor network to better serve the needs of its customers for card-based access and payment solutions in the library, laundry and campus markets. This regionalized approach will provide customers with faster response time, local presence, complimentary services and better coverage for their magnetic stripe card and smart card system requirements. Effective immediately, SchlumbergerSema has appointed Smart Vend Corporation as distributor for the West Coast, Today’s Business Solutions as distributor for the central region, and Trident Solutions as distributor for the southeastern region. The new distribution structure will promote and support card-based technology advancements in libraries, colleges, universities, multi-housing environments, hospitals, prisons and other closed environments. Many operators are turning to card-based solutions as a more cost-effective, convenient alternate to cash. Simple-to-use and easily programmable card solutions help operators to improve cash flow, drive repeat business and decrease operation costs. The industry-leading SchlumbergerSema card-based offer is part of a broad range of stored value and access control solutions for closed-environments that require cashless payments and identification.

SchlumbergerSema is the leading provider of stored value-card solutions for unattended consumer transactions. In North America, the company maintains over 5,000 active prepaid card installations used by more than three million consumers annually.

About SchlumbergerSema

SchlumbergerSema is a leading information technology services company providing IT consulting, systems integration, managed services, products and IP network security solutions serving the telecommunications, utility, finance, transport, oil and gas, and public sector markets. With more than 30,000 employees in 130 countries, SchlumbergerSema is one of two business segments of Schlumberger Limited, a global technology services company. Schlumberger Limited acquired Sema plc in April 2001. In 2000, Schlumberger revenue was $9.6 billion and Sema plc revenue was $2.4 billion. Additional information is available at [www.slb.com][1].

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

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CardLess Credit

Securing online payments and making consumers more comfortable while making online purchases is the vision of two forward-looking companies. SecuGen Corporation, global leader in the development of biometric fingerprint recognition systems, and TouchCredit Financial Services, Inc., provider of state-of-the-art online biometric payment solutions, today announced the formation of a strategic partnership to launch the world’s first-ever Cardless Credit(TM) payment system. Under this agreement, SecuGen’s core fingerprint recognition technology will be integrated into TouchCredit’s proprietary biometric payment system allowing consumers to purchase online products and services securely without the vulnerability of credit cards.

“SecuGen and TouchCredit share a vision of delivering enhanced security solutions to online consumers,” said Tom Pak, Vice President of Sales at SecuGen. “SecuGen is impressed with TouchCredit’s revolutionary line of Biometric Credit(TM) payment solutions, and we’re pleased to count them among our distinctive partnerships. As we work together to integrate our products and services, we are excited to create real world solutions for the online credit and debit market that has recently taken too many hits from fraud and loss,” said Tom Pak.

Together, SecuGen and TouchCredit will give a boost to online consumer spending and confidence by making it more convenient and secure to shop on the web with the new cardless line of credit protected by biometric technology. SecuGen’s fingerprint recognition system, which includes a biometric keyboard and biometric mouse, will be incorporated into TouchCredit’s advanced online payment system to authenticate users, providing an economical way to secure e-commerce transactions for consumers, e-tailers and financial institutions worldwide. Cardless Credit customers will have the unique ability to make purchases across all payment vehicles, including personal computers, mobile devices and personal digital assistants (PDAs) with just the simple touch of a finger.

Fighting Fraud In Cyberspace

The companies’ joint solutions will provide users with the most advanced security features and benefits available today. The payment industry is in need of a new mode of authentication where consumers can shop safely on the Internet. According to Meridien Research (Newton, Mass), online credit card fraud ran to $9 billion last year alone and is growing. The biometric payment system will utilize a real-time automated measurement of unique physiological and/or behavioral characteristics, providing the quickest, most convenient and secure platform to process financial transactions and biometric credit lines across a digital environment. There are no credit card numbers to worry about or credit cards to carry. By using biometrics to confirm the identity of a consumer before a purchase is made, TouchCredit will offer a compelling new way to simplify the online shopping experience for everyone; reducing fraud costs for e-tailers, operating expenses for issuing banks, and interest rates for consumers. “With security issues being a premium concern for online consumers, this joint partnership will provide customers with powerful solutions to the real problems and issues plaguing the virtual world,” said James Uberti, TouchCredit CEO and President. “Future customers will not only benefit from having the most secure online payment system available today, but they will also benefit from the extended features, functionality and cardless freedom that our offering provides, such as having the ability to shop online with just the simple touch of a finger. It is clear that SecuGen’s technology offers the most robust and reliable, yet cost-effective solutions for the global market,” said James Uberti.

About SecuGen Corporation

A pioneer of the biometric industry, SecuGen Corporation develops and markets award-winning optical fingerprint recognition technology worldwide. SecuGen’s products have been integrated into a broad range of applications in Internet, network and desktop security, physical access control and other electronic products. As a trusted source for reliable hardware and software products, including the EyeD family of PC Peripherals and SecuIBAS(TM) for Internet authentication, SecuGen is committed to ongoing research and development in biometrics technology. SecuGen is headquartered in Milpitas, California with manufacturing, sales and development affiliates in Canada, Hong Kong, Japan and Korea.

About TouchCredit Financial Services, Inc.

TouchCredit, the leading provider of Next Generation “Cardless” financial services, is a revolutionary biometric-based financial service company providing credit lines and credit services via a patent pending server-based Biometric Credit authentication payment system. While the Company’s pending patents cover the use of all biometric devices, TouchCredit has selected keystroke dynamics, finger imaging and voice recognition as the initial deployment of systems worldwide. TouchCredit is putting people in touch with their financial security and convenience by utilizing the latest in biometric one-touch credit technology, bringing back an old element of face-to-face human commerce. For more information, the Company can be contacted at [http://www.touchcredit.net][1] or at +1-310-754-6264.

[1]: http://www.touchcredit.net/

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OPC 2Q/01

Official Payments Corporation is marching toward profitability as it reported a 2Q/01 loss of $3.6 million compared to $8.9 million for second quarter 2000. OPC also reported yesterday that collection of federal balance-due, estimated and extension tax payments in the quarter grew 15% over the year prior period. The company captured 87% of all of the $711 million of taxes paid to the IRS by credit card during the April tax season. This year OPC faced a direct competitor, PhoneCharge, Inc. In the second quarter, the company added 103 new government clients and 206 payment services. As of June 30, the company had 910 government clients, compared to 555 for 2Q/00. During 2Q/01, the company processed over 436,000 transactions totaling over $786 million., representing growth of 31% and 23% respectively over the second quarter of 2000.(CF Library 2/13/01; 3/21/01; 4/18/01; 4/26/01) For complete details on OPC’s current and past performance visit CardData ([www.carddata.com][1]).

OPC CREDIT CARD TAX PAYMENTS
Tax Type Dollars Processed % Change
Federal taxes $628 million +15%
State taxes $94 million +104%
Property taxes $35 million +47%
Local taxes/fees $8 million +19%
SOURCE: CardData (www.carddata.com)

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

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Auto Cards

Co-branded credit cards for Jeep, Dodge, and Chrysler owners will hit the market during the fourth quarter. DaimlerChrysler Services North America confirmed yesterday plans to launch three co-branded classic and platinum credit cards. However discussions are still underway with potential issuers. Cardholders will earn one point for every dollar in purchases charged to the card and bonus points for purchases at partners including Chrysler, Jeep and Dodge dealerships. Points can be redeemed for certificates which are used in dealerships like cash and to purchase select merchandise offered by each brand. The co-branded cards will be previewed this month at Camp Jeep 2001, with a national campaign to vehicle owners scheduled for the fourth quarter. A sweepstakes is also planned offering cardholders a chance to win a 2002 PT Cruiser, Jeep Liberty or a Dodge Ram Truck.

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MALE DOMINANCE

More than 63% of the Internet audience in Germany is male, making that
country’s online community the most predominantly male of the 26 countries
measured by Nielsen//NetRatings.
In contrast, the audiences in the US and Canada are the only audiences in the
world where females are the majority (see Table 1), while Asia Pacific is
experiencing strong growth in the number of women online.
“Germany is an established Internet market with the third-largest Internet
universe in the world,” said Richard Goosey, chief of measurement science and
analytics, Nielsen//NetRatings. “Where are the women in this market?”
In June, German men spent nearly eight and a half hours online during 18 online
sessions, while German women spent seven hours online during 14 sessions.
“Surprisingly, for an audience so heavily skewed towards men, sites mainly
focused on sports were the second least popular category in Germany in June,”
Goosey said. “Followed only – not as surprisingly – by family and lifestyle
sites, which were the least popular category last month.”

Goosey also pointed to France, where the Internet audience in June was nearly
62% male. “The time difference in Internet usage between the genders in France
was much more pronounced in France last month,” he said. “French men spent more
than eight and a half hours online across 19 sessions, while French women spent
half as much time online – just over four and a half hours across 11 Internet
sessions. French women are obviously not as enamored of the Internet as their
male counterparts.”

On the other hand, a recent Nielsen//NetRatings study of women’s Internet
activity in Asia Pacific found that females in that region – while still in the
minority – are fast gaining ground on their male counterparts. That study found
that since January of this year, the number of female surfers has grown an
average of 36% across the region, with the number of Korean women online
increasing 55%, followed by Taiwan at 27%, both Singapore and Australia at 16%,
Hong Kong at 11% and New Zealand trailing the region at 10%.
In both Germany and France, telecom and Internet services websites were the
most popular category, reaching nearly 80% of the active audience in both
markets. In France, despite the heavily male audience, certain categories that
would be expected to attract male Internet users, such as sports and automotive
sites, ranked very close to the bottom of the category list for June,
attracting well under 10% of the active audience.
In contrast, the US and Canada were the only markets where females comprised
the majority of the Internet audience in June. In the US, where 52% of the
audience was female last month, the time spent online by each gender was more
even – ten and a half hours for men and just over nine hours for women. Search
engines, portals and online communities were the most popular category in the
US. The first category that could be construed as favoring one gender –
computers and consumer electronics – ranked sixth on the list of most popular
US categories, attracting 24% of the active audience. Family and lifestyle
websites, which would be expected to bring in female surfers, was the eighth
most popular category, attracting 17% of the active audience.
“Internet usage in the US has reached parity,” Goosey said. “Men and women are
mirroring each other’s online activity and even visiting the same types of
sites.”

Nielsen//NetRatings is the world’s fastest growing Internet audience
measurement service with the largest geographic footprint. The
Nielsen//NetRatings Global Internet Index provides the only worldwide
measurement of Web audience and usage patterns across 26 countries comprising
91% of the global Internet audience universe.

Additional highlights from the June Global Internet Index (see
Table 2) include

— Vivendi Universal made the biggest gain in the June Index, gaining
four spots over May, driven by their purchase of MP3.com.

“MP3.com is the most prominent of Napster’s download competitors,
offering downloads of new music along with the opportunity for users
to buy CDs from the artists featured,” Goosey said. “Interestingly,
Napster lost 15% of its audience between May and June, translating to
2.5 million people, and is now hanging on at the bottom of our list of
the top 25 global properties. Throughout the first quarter of this
year, MP3.com’s growth in Europe was outstripped by Napster, even in
countries like Germany, Italy and the UK, where MP3.com’s growth was
solid. This was due at the time to Napster’s ability to offer
copyright material. Now that the courts have changed the playing
field, MP3.com is leading the way.”

Table 2. Top 25 Global Web Properties, At-Home, June 2001

There was a small rise in both the total and active Internet
universe for June – 1.6% and 2.0% respectively (see Table 3). The
total Internet universe across the 26 countries in
Nielsen//NetRatings’ Global Internet Index is now 414 million people.
Goosey noted that the click rate for ad banners also showed a healthy
rise in June, up 5.7% over May.

About Nielsen//NetRatings

Through strategic partnerships between NetRatings, Nielsen Media Research and
ACNielsen, the Nielsen//NetRatings audience measurement service collects
real-time data from more than 225,000 individuals with access to the Internet
around the world. The U.S. panel sample currently consists of 62,000
individuals with Internet access at home and 8,000 individuals with Internet
access at work. International panels are under development with over 155,000
individuals with access at home currently being measured in 26 countries,
representing 91% of global Internet browser activity.
Nielsen//NetRatings uses unique technology capable of measuring both Internet
use and advertising to provide the most timely, accurate and comprehensive
Internet usage data and advertising information in the global marketplace.
Nielsen//NetRatings tracks the entire spectrum of Internet user behavior,
leveraging proprietary data-collection technology from NetRatings, Nielsen
Media Research’s 50 years of expertise in research and audience measurement,
and ACNielsen’s international leadership in offering market research
information covering more than 100 countries. For more information, please
visit www.nielsen-netratings.com.

About ACNielsen eRatings.com

ACNielsen eRatings.com is a venture between ACNielsen and NetRatings Inc.
ACNielsen, a company of VNU, N.V., is the world’s leading market research firm,
offering measurement and analysis of marketplace dynamics, consumer attitudes
and behavior, and new and traditional media in more than 100 countries.
NetRatings is the leading provider of Internet audience measurement technology
and analysis. Through the Nielsen//NetRatings service, ACNielsen eRatings.com
is creating the first global service for tracking audiences, advertising and
user activity on the Internet in more than 30 countries worldwide.

About NetRatings, Inc.

NetRatings (Nasdaq NTRT) provides Internet audience measurement and analysis
services that enable its customers to make informed decisions regarding their
Internet strategies. NetRatings delivers accurate and timely information
collected from a representative sample of Internet users and augments it with
detailed, flexible reporting and in-depth analyses.

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