Royal Ahold has formed a strategic alliance to offer electronic banking
services to its U.S. customers. The partnership with Amicus Financial, the
U.S. division of the Canadian Imperial Bank of Commerce, will offer a range
of financial services to Ahold’s 15 million weekly customers in the USA.
The services, in several of Ahold’s trade areas along the U.S. eastern
seaboard, will start in the fall of 2001. Amicus Financial, the largest
internet bank in North America, will offer financial services in selected
Ahold stores through telephone call centers, ATM’s and the internet. The
services offer excellent conditions for customers. The initiative at Ahold
USA is in line with similar activities of Ahold in stores around the world.
In The Netherlands, Ahold’s flagship Dutch chain Albert Heijn has set up a
savings account facility with insurance bank Aegon. Ahold’s Brazilian
operation Bompre̤o runs a successful credit card service Рthe Hipercard.


smart VISA Challenge

After American Express launched a ‘Code Blue’ to put life into its smart cards, VISA issued this morning a competitive call to find and develop innovative smart card applications using ‘Java Card’ technology and tools. The ‘smart VISA Challenge’ is an effort to facilitate the development and rollout of untapped services for the ‘smart VISA’ technology platform. VISA and its partners will select several Challenge winners and potentially bring their new ‘Java Card’ technology-based smart card solutions to market by spring 2002. In addition to recognition and royalties stemming from the market launch of their application, winners will enjoy cash prizes, from $ 1,000 to $75,000, plus additional VISA-provided benefits.The due date for entries is August 24. In October, the companies will choose the top 20 ideas to be developed to full applications or services: 10 in the online (Internet) category and 10 in the offline (retail) category. The American Express ‘Code Blue’ contest awarded prizes last month for Java Card applications for smart payment cards. (CF Library 5/24/01).


May Retail Sales

Same-store retail sales for May rose 2.8 percent over the same period last year, according to data compiled by TeleCheck Services, Inc., the world’s leading check acceptance company. While sunny weather encouraged consumers to shop the malls in the southern regions of the country, California’s power crisis is taking its toll on retailing in the West. The Southwest region led the nation, followed by the Southeast and the Mid-Atlantic (tied), the Midwest, the West and the Northeast. The TeleCheck Retail Index is based on a year-over-year, same-store comparison of the dollar volume of checks written by consumers at more than 27,000 of TeleCheck’s 272,000 subscribing locations. Compiled on a calendar basis, TeleCheck’s index is based on a broad cross-section of retailers nationwide. Checks account for about one-third of retail spending and remain second only to cash as the most popular method of payment. TeleCheck is a subsidiary of Denver-based First Data Corp. (NYSE: FDC).

“The country’s power crisis is having its greatest affect in the West, as suggested by the region’s sluggish retail sales,” said Dr. William Ford, TeleCheck’s Senior Economic Adviser. “Retail spending in the Northeast and Midwest regions picked up pace slightly from previous months, which we can assume is due to the long-awaited break from winter weather. In general, despite an overall economic slowdown, retail sales rose moderately across the country.”

In the Southwest, sales rose a strong 3.5 percent. Oklahoma’s sales rose 4.1 percent, Missouri’s sales jumped 3.6 percent and Texas’ grew 3.5 percent. Sales in Oklahoma City rose 4.3 percent, Houston’s climbed 4.2 percent, sales in Tulsa grew 4.0 percent, sales in St. Louis were up 3.7 percent, sales increased 3.6 percent in Kansas City, 3.5 percent in Dallas/Ft. Worth, 3.3 percent in Austin and 3.0 percent in San Antonio.

Sales grew in both the Southeast and the Mid-Atlantic regions by 3.2 percent. In the Southeast, sales climbed 4.4 percent in Louisiana, 3.8 percent in both Florida and Georgia, 3.2 percent in The Carolinas and 2.9 percent in Tennessee. Sales increased 4.8 percent in New Orleans, 4.0 percent in Orlando, 3.9 percent in Miami/Ft. Lauderdale, 3.4 percent in Atlanta, 3.3 percent in Tampa, 3.1 percent in Nashville and 2.8 percent in Memphis.

In the Mid-Atlantic, Pennsylvania’s sales were up 4.1 percent, Virginia’s sales increased 3.3 percent, New Jersey’s sales rose 3.2 percent and Maryland’s sales grew 2.4 percent. Pittsburgh saw sales jump 4.3 percent, Philadelphia’s sales grew 3.9 percent, the District of Columbia saw sales rise 2.4 percent and Baltimore’s sales climbed 2.2 percent.

Sales in the Midwest climbed 2.9 percent, with Minnesota up 4.5 percent, Wisconsin up 3.6 percent, Michigan up 2.8 percent, Illinois up 2.6 percent and Ohio up 2.2 percent. Sales grew by 5.0 percent in Minneapolis/St. Paul, 3.9 percent in Milwaukee, 2.9 percent in Detroit, 2.8 percent in Chicago and 2.0 percent in Cleveland.

The West was up 2.6 percent, with sales increasing 5.2 percent in Hawaii, 2.9 percent in Oregon, 2.2 percent in Washington, 2.1 percent in Colorado, 1.9 percent in California and 1.5 percent in Arizona. Sales rose 2.9 percent in Denver, 2.4 percent in San Diego, 2.2 percent in Portland, 2.0 percent in Los Angeles, 1.9 percent in Seattle, 1.5 percent in the Bay Area and 1.2 percent in Phoenix.

The Northeast region’s sales grew 1.8 percent. Sales rose 2.3 percent in New York and 1.2 percent in Massachusetts. New York City’s sales were up by 2.7 percent and Boston’s sales increased by 1.9 percent.

TeleCheck’s index is compiled on a calendar basis and is based on the total sales volume of check-writing consumers at a broad cross-section of retailers. Figures are not adjusted for inflation. Checks account for approximately one-third of retail spending. In 2000, TeleCheck authorized more than $163 billion in checks, representing 3.2 billion transactions. For more information about TeleCheck, visit the Internet site at http://www.telecheck.com.

About First Data Corp

First Data Corp., with global headquarters in Denver, powers the global economy. Serving nearly 2.5 million merchant locations, more than 1,400 card issuers and millions of consumers, First Data makes it easier, faster and more secure for people and businesses to buy goods and services, using virtually any form of payment: credit, debit, stored-value card or check at the point-of-sale, over the Internet or by money transfer. For more information, please visit the company’s Web site at http://www.firstdata.com.

Retail Sales
(Period: 05/01/01 – 05/31/01)
June 5, 2001


Florida 3.8% Arizona 1.5% Illinois 2.6%
Miami/Ft. Phoenix 1.2% Chicago 2.8%
Lauderdale 3.9%
Orlando 4.0% California 1.9% Michigan 2.8%
Tampa 3.3% Bay Area 1.5% Detroit 2.9%
Louisiana 4.4% Los Angeles 2.0% Minnesota 4.5%
New Orleans 4.8% San Diego 2.4% Minneapolis/
St. Paul 5.0%
Georgia 3.8% Oregon 2.9% Wisconsin 3.6%
Atlanta 3.4% Portland 2.2% Milwaukee 3.9%
Tennessee 2.9% Washington 2.2% Ohio 2.2%
Memphis 2.8% Seattle 1.9% Cleveland 2.0%
Nashville 3.1% Colorado 2.1%
The Carolinas 3.2% Denver 2.9% MID-ATLANTIC 3.2%
Hawaii 5.2% District of
Columbia 2.4%
SOUTHWEST 3.5% Pennsylvania 4.1%
Texas 3.5% NORTHEAST 1.8% Philadelphia 3.9%
Austin 3.3% Massachusetts 1.2% Pittsburgh 4.3%
Dallas/Ft. Boston 1.9% New Jersey 3.2%
Worth 3.5%
Houston 4.2% New York 2.3% Virginia 3.3%
San Antonio 3.0% New York City 2.7% Maryland 2.4%
Missouri 3.6% Baltimore 2.2%
Kansas City 3.6%
St. Louis 3.7%
Oklahoma 4.1%
Oklahoma City 4.3%
Tulsa 4.0%


ePHONE Cards

ePHONE Telecom, Inc. a global Internet telephony services carrier for businesses and individuals, announced that it will be launching a line of calling cards branded under the ePHONE name. The cards will enable the user to make long distance phone calls for very competitive prices and will be available in the third quarter of this year. Pursuant to this launch, ePHONE also announces that it has initiated a strategic distribution relationship with a US based company to provide the new calling cards and prepaid calling card services.

Through this relationship, the ePHONE’s calling cards will be distributed through feature rich point of sales kiosks that will be located in the 240 National Car Rental and Alamo retail airport locations nationally. The kiosks provide a secure, full credit and debit card transaction interface and serve as a point of purchase credit card transaction device.

Under the terms of the agreement ePHONE has been selected as the exclusive supplier of calling cards and services for this deployment. The initial terms of the agreement call for distribution of the ePHONE cards in the US with the potential for further global distribution in time. The kiosks are scheduled to roll out with the ePHONE calling cards in mid-Q3 2001.

“The ePHONE brand of calling cards represents heightened visibility within our product mix. Now we have a more integrated product line to meet the demands of our customers and the market,” stated Carmine Taglialatela, ePHONE’s president and chief operating officer. “The consummation of this partnership represents another significant milestone for the company. We’re counting on our performance as the service provider to enable us to secure more business like this globally. We are very excited to have quickly found partners in the calling card market that are pushing the distribution envelope and driving demand for their products and consequently our services. The prospects for this market continue to show strength, and we’re aggressively looking for ways to increase market share.”

Michael Han, chief strategy officer added “The prepaid calling card market is looking increasingly attractive for ePHONE. Business and pleasure travelers represent a significant opportunity as hotel long distance phone charges and cellular roaming charges can add significantly to the cost of travel. The partnership distribution provides a solid entry point to prove our service and eventually expand to other geographies.”

About ePHONE Telecom

ePHONE Telecom is a global Internet telephony services carrier for businesses and individuals. ePHONE enables long distance calling at very competitive prices via local access numbers and access devices that connect customers with ePHONE’s network, built on it’s award winning, open standards-based Internet Protocol (IP) gateway technology. Customers can use existing telephone equipment to make voice, fax and data calls to reach any phone or telephony service in the world. ePHONE’s continuing network expansion, scalable billing solution and support for most standard telecommunications signaling protocols around the world ensure it’s position as a continuously evolving carrier that is able to deliver the new telecommunications services that customers and today’s competitive marketplace require. For more information about ePHONE Telecom, please visit [www.ephonetelecom.com][1].

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


Cingular Payments

In a move to pit wireless phones against credit cards, Cingular Wireless introduced Monday the national roll-out of its new wireless micropayment campaign. It is the first U.S. carrier to offer a micropayments service. ‘Cingular DirectBill’ initially permits a customer to purchase low-cost digital goods, such as customized ring tones. However Cingular made it clear yesterday it plans to expand the free service to include the purchase of soda and snacks and mass transit payment systems. Under the program small purchases made by wireless phones or from the Internet are billed directly to customers’ wireless phone bills. The micropayments service utilizes the ‘Qpass Commerce Service’. Cingular, jointly owned by BellSouth and SBC Communications, has more than 19 million subscribers and is the nation’s second largest wireless carrier. The Cingular news follows on the heels of last week’s announcement by McDonald’s that it is expanding the use of the ExxonMobil’s ‘Speedpass’ contactless payment program to more than 400 outlets in the Chicago area. (CF Library 5/30/01)


E-Wallet Study

A new study released this morning found that experienced users who shop online with an e-wallet would prefer to use an e-wallet hosted by their financial institution. Additionally, users of issuer-provided wallets report greater online spending and greater loyalty to the card associated with their issuer-provided wallet. The study, commissioned by MasterCard and conducted by Greenfield Online, found that 53% preferred e-wallets hosted by financial institutions over those sponsored by Internet companies (36%) and Internet Service Providers (11%). The vast majority of e-wallet users polled, 94%, were satisfied with their e-wallet experiences, and more than 80% of the respondents stated they were likely to use their e-wallets within the next three months. Twenty-three percent of the respondents said they have increased their online spending as a result of using an issuer’s e-wallet. Currently, fewer than two-in-ten online shoppers shop with an e-wallet.


iPIN & Gemplus

iPIN announced a partnership with Gemplus, the world’s leading provider of smart card based solutions, to jointly develop advanced security features for Web and Wireless transactions. The partnership extends both companies’ authentication and payment technology applications to offer global banks and mobile operators greater transaction security for their customers. The agreement will encompass marketing, sales and implementation with joint partners.

Applications for smart card technology have broadened into phone card services, mass transit and toll, PayTV, and also wireless communications. With these applications comes the need for secure payment architecture behind the authentication device. This partnership fuses Gemplus’ strong authentication technology based on smart card wireless telephony (SIM Card) with iPIN’s flexible payment and settlement solution that can be applied to the wide forum of smart card applications.

![][1] Having just been awarded the 2001 RSA Security Award for Excellence in the Field of Industry, Gemplus will integrate their full suite of smart card and authentication server solutions with iPIN’s e-payment platform and Scalable Authentication Module, providing a technology that can be seamlessly integrated with mobile operators and financial institutions worldwide. The venture will support all major standards, such as SMS, CSD, GPRS, WAP, and 3G.

“Users of iPIN’s m-commerce platform will be able to conduct secure purchases with Gemplus’ range of authentication solutions. Our joint offer guarantees that sensitive information and wireless purchases can be made with confidence because the connection is secure and authentic. In fact, Gemplus and iPIN solutions are offering banks and telcos the ultimate tools to ensure end-to-end complete secure payment,” said Patrick Imbert, director, mobile commerce group, Gemplus.

“With this combined technology, the client will be able to choose their appropriate level of authentication technology guided by different transaction amounts,” stated Bradley Rode, CEO of iPIN. “With Gemplus’ digital signature, wireless transactions can be offered with the highest level of security, which is a critical building block for banks, telcos, and merchants because the non-repudiation of transactions can be guaranteed.”

About Gemplus

Gemplus (http://www.gemplus.com) is the world’s leading smart card solutions provider. Since its creation in 1988, Gemplus International S.A. (Euronext: Sicovam 5768; Nasdaq: GEMP) has driven the global marketing and deployment of smart card-based applications for telecommunications, financial services and e-business security.

According to the most recent third party research, Gemplus leads the industry with 35% market share by volume in memory and micro-processor cards (Gartner Dataquest, 2000). Gemplus is instrumental throughout the value chain — chip design, card management systems, software development, and consulting — delivering integrated custom-made solutions for the security, personalization and privacy management needs of clients and partners worldwide. Gemplus technology has played a defining role in the development of wireless telephony since the introduction of SIM cards into the GSM standard in 1990. For more than a decade, Gemplus has pioneered applications that enable network operators around the world to answer the changing needs of their customers. Gemplus was first to market with a 3G card and supplies a product range compliant with new and emerging transmission standards — 2.5G, 3G.

In 2000, revenue was 1.205 BE, up 57% from the previous year’s 767ME. Net income was 99 ME. Gemplus employs more than 7800 people in 37 countries worldwide. Since 11 December 2000, Gemplus shares have been trading on Euronext Paris S.A. First Market and on Nasdaq in the form of ADSs.

About iPIN

iPIN is the leading provider of global Internet and wireless payment technologies to financial institutions, telecommunication providers, portals and merchants. iPIN enables its partners to offer modular payment products to support business-to-consumer, person-to-person and business-to-business applications in both the Wireless and Web environments.

iPIN enables users to easily and securely pay for Web and Wireless purchases using existing financial relationships, such bank accounts, credit cards, debit cards, ISP and wireless bills, pre-paid accounts, and cash. The iPIN technology identifies and authenticates the user without transmitting any personal or financial information over the Internet and is easily configured to any transactional and payment architecture. In addition, it enables transactions of any value and provides real-time support for most currencies and languages. iPIN offers its technology either as an application service provider (ASP) or as a service license. Customers include British Telecom, France Telecom, Club Internet, and Internet Gold among others. These relationships represent a base of 75 million users.

[1]: /graphic/gemplus/gemplus.gif


GE Bank

GE Capital Consumer Card Co. has received approval from the Office of Thrift Supervision to switch from a state bank charter to a federal savings bank charter. Upon adopting the new charter, the savings bank will change its name to GE Financial Corp. GE Financial will continue to operate primarily as a credit card bank, but adopting the thrift charter will allow it to offer additional consumer loan products. For example, the bank plans to offer a consumer installment (debt consolidation) loan product. The bank had total assets of $494.8 million and equity capital of $45 million as of December 31.


USB Readers

Small plug-in card readers for PCs are gaining momentum as Mag-Tek unveiled yesterday its new ‘Mini USB’ unit. The news follows last month’s announcement by Schlumberger Test & Transactions of its ‘e-gate’ technology which enables a smart card to simply plug into the standard USB port on a PC. SCM Microsystems also introduced last month its ‘E-25’ smart card reader which can be connected to a computer via USB or RS-232 serial ports. The Mag-Tek ‘Mini USB’ is a magnetic stripe swipe reader. It requires 50% less space than full size readers, and requires no external power source. Until now, only RS-232 and keyboard wedge interface readers have been commercially available. Production of the ‘Mini USB’ is already underway. (CF Library 5/9/01; 5/16/01)


Gemplus CMS

Gemplus announced it continues to realize growing demand for Java Card technology-based smart cards. Propelled by the launch of the three-dollar GemXpresso card for Smart VISA program in 2000, Gemplus continues to realize growing use of Java Card technology by clients worldwide. The secure, open/multi-application and interoperable nature of Java Card technology has proven to be highly successful for many of Gemplus’ clients including Fleet Bank and Providian. As Gemplus moves toward offering a comprehensive Card Management System (CMS), the ability to download multiple applications will become even more valuable in providing card issuers and their card holding customers fully customized, flexible and scalable smart card solutions.

(1)Dataquest/Gartner reports growth of greater than 45% from 1999 – 2000 with significant potential in the Financial Services and in the IT /e-business sectors, where the use of flexible and scalable solutions offerings like Java Card technology will be paramount. Widescale adoption of open, Java Card technology-based solutions in the financial arena is complimented by another key driver in North America: The US Department of Defense has embraced PKI technology using Java Card technology in its current rollout of military ID cards for active and reserve components of the military. In addition, the Wireless industry has strong demand for Java Card technology-based SIM (Subscriber Identification Module) cards anticipated with mobile commerce migrating from 2G to 3G technology. Gemplus’ recent acquisition of SLP Infoware, a mobile CRM solutions firm, compliments this trend as well.

As a founding member of the Java Card Forum and an active leading participant in GlobalPlatform and OpenCard Consortium, Gemplus is actively working alongside Sun and iPlanet(TM) E-commerce Solutions to drive global interoperability for smart card technology as well as EMV standards. These continued efforts will assure more complex, effective and usable product offerings from Gemplus, Sun and the smart card community.

“The rapidly increasing number, and the rapidly increasing complexity, of electronic, identity sensitive, online financial transactions requires convenient, easy to use and easy to manage solutions that are available through smart card technology. Java Card technology is a key competitive factor in our solution offering,” confirms Dr. Mel Slater, senior vice president, strategic alliances at Gemplus. “Java Card technology was developed through an open process with key industry players to provide card vendors, developers and issuers with an interoperable, multi-application based smart card platform,” said Richard Green, vice president and general manager, Java Software, Sun Microsystems. “Gemplus has made significant contributions to this open process and is helping lead the community of smart card suppliers offering economical, secure, customizable smart card solutions.” Gemplus will be exhibiting at JavaOne 2001 in San Francisco, June 4th – 8th at booth No. 326.

About Gemplus

GEMPLUS: the world’s leading smart card solutions provider. Since its creation in 1988, Gemplus International S.A. (Euronext: Sicovam 5768 and Nasdaq:GEMP) has driven the global marketing and deployment of smart card-based applications for telecommunications, financial services and e-business security. Gemplus is instrumental throughout the value chain — chip design, card management systems, software development, and consulting — delivering integrated custom-made solutions for the security, personalization and privacy management needs of clients and partners worldwide. Gemplus technology has played a defining role in the development of wireless telephony since the introduction of SIM cards into the GSM standard in 1990. For more than a decade, Gemplus has pioneered applications that enable network operators around the world to answer the changing needs of their customers. Gemplus was first to market with a 3G card and supplies a product range compliant with new and emerging transmission standards — 2.5G, 3G. In 2000, revenue was 1.205 billion Euros, up 57% from the previous year’s 767 million Euros. Net income was 99 million Euros. Gemplus employs more than 7800 people in 37 countries worldwide. Since December 11, 2000, Gemplus shares have been trading on Euronext Paris S.A. First Market and on Nasdaq Stock Market(TM)as GEMP in the form of ADSs. Gemplus: www.gemplus.com


Notification Services

Experian launched its ‘Notification Services’ suite which combines ‘Marketing Triggers’, ‘Risk Triggers’ and ‘Retention Triggers’. The advanced triggering technology, for pre-screen, cross-sell, up-sell, and account monitoring, is targeted at credit card companies who require an end-to-end, event-based triggering solution that addresses every phase of the customer life cycle. The suite can provide daily, weekly, monthly, bi-monthly and quarterly notification triggers. For example, using ‘Notification Services’ a credit card company can enhance retention efforts by identifying current customers who have inquired about a new credit relationship within the last three months, helping them to take action and keep that customer.


SAS Card Solutions

SAS Institute announced three new enterprise marketing automation software solutions for the credit card, telecommunications, and insurance industries.

In these highly competitive industries where products can be copied in days and service can not be used to achieve differentiation, the only thing organizations have to create and sustain competitive advantage is customer intelligence.

The new customer relationship management (CRM) solutions significantly reduce the time organizations in these industries need to create and act upon customer intelligence. They reduce campaign deployment times, improve campaign return on investment and increase customer profitability. Implementation time is expected to be as low as three months – compared with the industry norm of six months for EMA solutions – thanks to industry-specific, pre-defined features. After deployment, companies can modify and extend the predefined models as well as create their own models. Marketers quickly gain understanding of customer needs and preferences and automate campaigns that reduce attrition and increase customer profitability.

“Analytics incorporated into EMA solutions are essential for optimizing customer interactions and enhancing the customer’s relationship with an organization,” said Gabriele Dobenecker, a program director with META Group. “Companies that provide a tight integration of sophisticated analytics and EMA functionality give organizations a head-start in customer intimacy.”

“SAS is distinct in its ability to cut through the complexities of global corporations like ours running massive client databases on multiple platforms and needing to integrate that data from disparate sources,” said Shaun Coyne, chief technical officer at GE Capital Real Estate. “The SAS Solution for EMA helped us improve net income by controlling costs of customer acquisition and risk through more intelligent targeted marketing. SAS’ new industry solutions are good news for companies that need to jump-start their CRM program and improve campaign effectiveness.”

Companies in highly competitive industries like credit card, telecommunications and insurance need to maximize payback on expensive marketing campaigns. By integrating customer analytics with campaign management, they reduce the margin of error and speed ROI. The SAS Solutions for EMA automatically feed customer intelligence from analytical CRM technology into a campaign management front-end through which campaigns are executed.

Basing campaigns on up-to-date customer intelligence means that companies reduce implementation cycles and improve campaign profitability by reaching customers with the right message at the right time. Automation is particularly valuable in complex multi-channel campaign environments, where marketing departments are often expected to perform exponentially higher numbers of campaigns with no increase in resources. Companies will appreciate that SAS for EMA is also a highly scalable and integrated solution. This eliminates the risks and costs of integrating, maintaining, and upgrading multiple software products. “Integrated solutions speed implementation of campaigns. In the highly competitive financial services market, the quicker you can get customer intelligence together and act on it, the sooner you can serve your customer – before a competitor does,” added Coyne. “We appreciate working with this global vendor of strong, dependable CRM solutions. SAS for EMA allows us to roll out a consistent global marketing strategy that’s helping us meet corporate revenue objectives to grow GE Capital.”

“Nothing equips decision makers better than access to knowledge. SAS customers have seen that the intelligence derived from a single, comprehensive customer view shortens campaign cycles, improves response rates, ensures higher customer satisfaction, and results in higher customer profitability,” said Jim Davis, senior vice president and chief marketing officer at SAS. “The new industry solutions for EMA deliver state-of-the-art customer analytics and campaign management to get companies in the race, but it’s the resulting customer intelligence that wins the race for them.”

Industry Solutions for EMA

The foundation for all three industry solutions for EMA is SAS’ award-winning campaign management, data warehousing and data mining software. The common architecture covers data storage and data mining models that deliver intelligence on customer behavior and allow for accurate customer segmentation, campaign execution and campaign reporting. These new applications can be implemented quickly because they include standard industry data models, as well as predefined industry-specific campaign templates, behavioral models and business reports, all built upon the best practices in the industry.


SAS expects to distribute the new software solutions through SAS’ direct sales channels with first customer shipments in fourth quarter 2001.

About SAS

SAS is the world leader in e-intelligence software and services, enabling its customers to turn raw data – including the vast quantity generated by e-business – into usable knowledge. Software from SAS, the world’s largest privately held software company, is used at more than 35,000 business, government and university sites in 110 countries. For more information visit [www.sas.com][1].

SAS and all other SAS Institute Inc. product or service names are registered trademarks or trademarks of SAS Institute Inc. in the USA and other countries. (R)indicates USA registration. Copyright(c)2001 SAS Institute Inc. Cary, NC, USA. All rights reserved.

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